What should I do after I bought a youth apartment in Yangzhou for 40 years?

70 years refers to the service life of the state-owned land in the plot, not the ownership life of the house.

According to state regulations, the land used for urban construction is state-owned, and individuals and enterprises can use it with compensation and trade the right to use it.

The land use life of residential land is 70 years, counting from the date of land acquisition.

As long as the purchased property has a legal title certificate, it is an individual's private property. As long as the property exists, the individual has the ownership of the property.

Article 21 of the Urban Real Estate Management Law stipulates that land users who need to continue to use the land after the expiration of the contract period shall apply for renewal at the latest one year before the expiration, unless the land needs to be recovered according to public interests, they shall be approved. In case of renewal, the land use right transfer contract shall be re-signed, and the land use right transfer fee shall be paid as required. "This clause stipulates that after the expiration of the land use period, users who want to continue to use the land can apply for continued use.

As long as you have a real estate license, it is the same as a house. The right to use the house is 50 years, 70 years, mostly 70 years, depending on how many years are written in the little red book.

According to China's practice, the transfer period of residential land use right is 70 years, commercial and industrial land is 50 years, and temporary land is 6 months. But some areas have special standards.

The starting point of the 70-year land use right is the time when the developer gets the parcel, not the time when you get the title certificate of the residential property. In other words, if he builds an industrial zone first, and the nature of land use is changed to residential in 20 years, then the service life of his residential property is only 50 years. Or he came early.

If so, the service life will be greatly reduced, so you must know the specific remaining service life of the apartment when you buy it.

Related content: residence, commercial service, business and office are all called apartments, but there are great differences.

Times apartment, apartment, business service apartment, business apartment and office apartment are different.

Recently, serviced apartment has become a hot product in Guangzhou property market, and it is also welcomed by investors. The reporter found that there are many apartments in Guangzhou property market, and the nature of their land use is actually different, including residential land, commercial service land, office land and commercial land. However, different land use properties will lead to different purchase costs and different uses. Therefore, investors should pay attention to the land nature of apartment buildings when buying apartments, so as to obtain better return on investment.

1, residential land apartment (hereinafter referred to as residential apartment)

Many apartments in Guangzhou belong to residential land and commercial and residential land, which are residential in nature. In 2005 and 2006, when there was an apartment boom in Guangzhou, many large-scale real estate projects organized by new groups were packaged in the form of apartments, with hotel-style property management services and some commercial facilities, which became apartments. The advantage of residential apartments is that the service life of the property is 70 years, which is longer than other types of apartments, and the premium can be renewed. Renting a house generates less tax, but the disadvantage is that you can't get a business license.

Low cost of buying a house

Residential apartments are residential, so the cost of buying a house is less than that of commercial properties such as commercial land and commercial service land.

First of all, the deed tax of house purchase, the deed tax of house is 65438+ 0.5% of the total house price, and the deed tax of commercial, office and other real estate is 3% of the total house price, the former is half lower than the latter. Based on a 500,000 apartment, the deed tax of the residential apartment saved 7,500 yuan.

Secondly, the loan interest is low. If the buyer is a first-time home buyer, he can apply for a 30-year house loan in the bank, and he can apply for a preferential interest rate of 15% lower than the commercial interest rate. In addition, people who buy residential apartments can also apply for provident fund mortgages, and the interest rate for buying houses is lower.

The maximum service life is 70 years.

According to national regulations, the service life of a house is 70 years, which is 20-30 years longer than other types of property. According to the clause of Property Law on automatic renewal of land use right, it is clearly pointed out that "residential land" can be "automatically renewed". In other words, as long as you don't sell your apartment after 70 years of use, you don't need to pay a new premium. Other types of properties do not have this discount.

Business type cannot apply for business license.

Guangzhou policy prohibits residential business, so residential properties cannot apply for industrial and commercial licenses. Residential apartments can only be rented to people, not to companies. The rent of office buildings is higher than that of residential buildings, so investors should know the situation clearly when buying apartments.

2. Business service apartment (hereinafter referred to as business service apartment)

At present, many apartments for sale are commercial land. The biggest difference between commercial land and commercial land is that there are more service purposes besides commercial purposes, specifically, it is easier to get a hotel license. In the current property market, Times Excellent Apartment (see map) and Miki Apartment belong to this kind of property.

The cost of buying a house is much higher than that of a commercial service apartment.

First of all, compared with residential apartments, commercial service apartments belong to commercial properties, and the deed tax on house purchase is 3% of the total house price, which is twice as high as that of residential apartments.

Secondly, the proportion of commercial property mortgage is small and the loan interest rate is high. The highest proportion of commercial property loans is only 50%, and the loan period is only 10 year. Relatively speaking, the investment cost of commercial service apartments is higher than that of residential apartments, and the investment threshold is also higher.

For example, an apartment with a total price of 500,000 yuan, if it is a residential apartment, can generally apply for a 70% 30-year mortgage, with a down payment of only/kloc-0.5 million yuan and a monthly payment of 2,248 yuan; Commercial service apartments can only apply for 50% 10 year mortgage, with a down payment of 250,000 yuan and a monthly payment of 30 10 yuan. Based on this calculation, the initial investment cost of buying a commercial service apartment is much higher.

Third, the owners of commercial service apartments have to face high land use tax. According to the Notice on Collecting Urban Land Use Tax in 2007 and 2008 issued by Guangzhou Local Taxation Bureau last month, all commercial properties need to collect land use tax. The standard annual tax is 3-27 yuan /m2, which is divided into six grades, with the highest 27 yuan /m2, the second grade 18 yuan /m2 and the third grade 10 yuan /m2. Most of the land in the center of Guangzhou is within this range.

The calculation method is: taxable land area of the house = land area of the house * * * * (building area/total building area). For example, a commercial apartment building on Shangjiu Road covers an area of 1 10,000 square meters, with a total construction area of 30,000 square meters, while an owner's apartment is 50 square meters, then the annual land use tax is 1 10,000× (50/30,000 )× 27 = 450 yuan.

Residential apartments do not need to pay this part of the fee.

Service life: 40 years for business and 50 years for office.

The commercial service apartment building can have two functions, one is office and the other is business. The former has a land service life of 50 years, while the latter has a service life of 40 years, which is much shorter than that of residential apartments.

It is worth noting that the Property Law only stipulates that houses of residential nature can be automatically renewed after reaching the service life, rather than commercial nature. Therefore, after the service life of commercial service apartments expires, investors may face high premium fees.

In addition, the land use period is calculated from the time when the developer signs the Contract for Paid Use of State-owned Land. Some commercial land is delayed for several years before development, and the service life is often a few years less when it is delivered. In addition, this kind of apartment has a short service life of 40 to 50 years, which is more unfavorable than residential apartments.

Management type

You can apply for a hotel license.

It is understood that the nature of commercial service land includes service industry, which can not only apply for general business licenses of offices and shops, but also apply for hotel licenses more conveniently. Many serviced apartments in Guangzhou often promise to rent and operate for buyers when they are sold. If there is no apartment with the nature of commercial service land, it is difficult to truly realize hotel management.

3 apartments with commercial and office land (hereinafter referred to as commercial apartments and office apartments)

The purchase cost and use function of apartments with pure commercial land and pure office land are basically the same as those of commercial serviced apartments. The difference is that the land service life of commercial apartments is 40 years, while the service life of office apartments is 50 years, so it is generally impossible to get a hotel license.